Banking platforms ship UIs you can’t change.
Most BaaS pitches come with a customer-facing UI you’re expected to use. That kills your product’s brand the moment a user opens a balance. You need infrastructure, not a paint-job.
Solutions · for embedded finance
Banking inside your product.
API-first integration. No UI lock-in. Sponsor-bank ready out of the box. Klyqo composes the embedded journey in your codebase and dispatches every step through a marketplace of best-of-breed providers. Your brand stays end-to-end.
Time to live
4-6 weeks
Integration
API-first · no UI lock-in
Branding
White-label by default
Lock-in
Swap any provider
The embedded reality
You’re a software company first. Banking should fit that way.
Most embedded-finance pitches force you to adopt their UI, their brand, their flows. That’s a no-go when banking is the feature inside your product, not the product itself.
Every sponsor bank has its own paperwork.
Switching sponsor banks means re-implementing onboarding flows, re-mapping compliance reports, re-doing the integration. Lock-in by paperwork. Banking infrastructure should abstract sponsor-bank specifics, not expose them.
Six vendor relationships for one feature.
Banking-as-a-feature still requires a KYC vendor, a card issuer, a ledger, a payments rail, a notify provider. Each one is a separate contract, separate API, separate on-call. Your team gets sprawl tax, not product velocity.
How Klyqo ships embedded
Banking infrastructure that disappears into your product.
Klyqo is API-first by design. Journeys defined in your code, dispatched through a marketplace of providers, surfaced in your UI. No paint-job. No banking-app branding. Your product, with banking inside.
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API-first, every layer.
There is no Klyqo-branded customer UI to opt out of. Journeys are TypeScript files, exposed as typed APIs your product calls. You render whatever you want. We orchestrate underneath.
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Sponsor-bank abstraction.
The sponsor-bank-specific logic lives inside the Klyqo adapter, not in your code. Swap sponsor banks by changing a binding. Your journey code doesn’t notice. Your compliance reports keep flowing.
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White-labelled flows by default.
Every notify, every email, every receipt is your brand. We don’t insert Klyqo branding anywhere customer-facing. The platform is invisible to your end users; only your team knows it’s there.
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One contract for the orchestration layer.
You still hold direct contracts with each provider you use (KYC, cards, ledger). That’s the regulated stuff. But you hold ONE Klyqo contract for the platform that wires them all together. One on-call, one bill for the layer.
Reference architecture
Start from a working BNPL blueprint.
A pre-shaped journey + recommended provider bindings for embedded BNPL: checkout-time underwriting, plan creation, payment scheduling, collections. Clone the repo, drop into your checkout, deploy.
Blueprint · embedded BNPL
See BNPL blueprint
From checkout to disbursement, in TypeScript.
Includes the typed journey definitions for KYC at checkout, instant underwriting, plan creation, payment scheduling, reminders, and collections. All headless and white-labelled. Default bindings are mock adapters so you can run locally before binding to live providers.
Ready to ship banking as a feature, not a redirect?
Talk to us about your embedded play. Thirty minutes. No deck. We’ll show you the API surface, walk through the BNPL blueprint, and tell you honestly whether Klyqo fits your product shape.